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Before You Go Shopping For Car Insurance Quotes

These questions are simple but somehow car owners have difficulty in answering them when questioned by car service receptionists or car salespeople. Correct answers are important because they form part of your contract with the insurance company. And they make you a better informed buyer.

It's worth recording these questions and answers in a document you can save - say in a mobile device - and use during your years of car ownership. So before you buy car insurance, ask:

Can you describe your present car in detail? Like this – make, model, body, trim level, engine type size and power output, transmission. For example, a Renault Clio 3-door Dynamique 1.3 diesel, 106bhp, 6-speed manual.

Not a lot of car owners can correctly describe their car. One problem is a car engine can have the option of many different power outputs. For example the Renault 1.3 above can have one of two different outputs. A Vauxhall Corsa has three. A Mini can have four extremely different outputs from the same size engine. Also note a Dynamique is an entirely different car to Renault's Extreme trim level.
What do you use your car for? – Business or pleasure? This sounds simple enough but there can be grey areas now many employees use their own car for occasional business trips. So check the insurance companies definition.
Who will drive the car? Also, maybe more importantly who might drive it in the future? This is a big issue. Countless times I've come across a parent who bought their dream car 18-months ago who now has to exchange it for a tiny city car so one of their kids can drive it. The amount they lose in car depreciation is horrendous. It's sometimes the whole cost of a brand new city car.
What do you intend to carry? Think about luggage, hobbies and maintenance of your lifestyle, this year, next year, the year after and for how many years you intend to keep the car? If you carry valuables it's definitely worth checking they're covered by your car insurance policy.
What’s your average annual mileage? Most car owners can't answer this with certainty. The couldn't even tell you how many miles their car has recorded. So it is important to read your mileage and work out how many miles you do per year. Risk increases with increased mileage so you need a correct answer for the insurance company.
Where do you park your car of at home - honestly?

The above is just a guide, a start, some suggestions. When you start shopping for insurance quotes you might add to this list as you are questioned by the insurance company. Importantly, remember your answers form part of your contract with the insurance company and must be correct.

Finding cheap car insurance can cost you nothing. After all, They are Free Car Insurance Quotes. If you go about shopping for car insurance quotes properly, you're creating resources you can profit from for years to come.

Regards
Ralph

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